What Travel Insurance Does & Does Not Cover

What Travel Insurance Does & Does Not Cover

Travel insurance can be complicated, but it doesn’t have to. Most travel insurance will cover you for unexpected illness and injury during your trip, as well as lost or damaged baggage and personal belongings. But there are a few other things to be aware of, like what travel insurance does and does not cover. Let’s take a look:

What Travel Insurance Covers:

Medical Evacuation

Medical evacuation ensures that you get the proper medical treatment you need if you are injured while traveling overseas. If you find yourself in a medical emergency, you can relax and know that you are getting the best care.

Lost, Damaged, Or Stolen Luggage.

Whether on vacation, on a business trip, or just a few days away from home, you should make sure proper travel insurance is in place. The last thing you want when traveling is to deal with lost luggage or valuables, which is why you should ensure you have lost luggage coverage.

Trip Interruption

Trip interruption, also known as trip cancellation, allows you to cancel your trip if you cannot travel due to an unexpected event. Most policies cover cancellation, but some policies have conditions or exclusions for specific situations, such as a natural disaster.


A delay in traveling can cause so much stress and worry, and for travelers, money. Travel delays can be caused by bad weather or airline mechanical problems. When you travel by air, travel insurance that covers delays can reimburse you for any expenses incurred as a result of unexpected delays.

Medical Emergencies

Medical emergencies can happen at any moment, and it’s important to be prepared for an emergency while traveling. They are quite unpredictable, and it’s important for people traveling internationally to have the necessary coverage in case something happens. Travel insurance can cover the cost of emergency medical treatment, evacuations, and repatriation.

Trip Cancellation

Most travel insurance plans cover trips canceled due to natural disasters, but it’s important to know what conditions apply. “Cancellation” has a different meaning in travel insurance than it does for the airline industry, so it’s important to know the difference before you purchase the policy.

What Travel Insurances Do Not Cover

Losses Caused by Radioactive Contamination or Nuclear Radiation.

All travel insurance policies have exclusions; that’s a given. So, knowing what’s not covered is important, so you are not surprised later on. Remember that travel insurance does not cover losses due to nuclear radiation or radioactive contamination.

Losses Incurred From Venereal Disease, The AIDS Virus, Pregnancy (Excluding Complications Of Pregnancy), Or Abortion.

Travel insurance generally won’t include coverage for losses incurred from venereal disease, the AIDS virus, pregnancy (excluding complications of pregnancy), or abortion. So, before you purchase any travel insurance, make sure it covers what you’ll need it to.

Losses Stemming From Mental, Psychological, Or Nervous Disorders Such As Anxiety, Depression, Neurosis, Or Psychosis.

Travel insurance is supposed to help you recover from any costs you may incur when away from home. But what if your losses are caused by a mental, psychological, or nervous disorder? Unfortunately, many insurance companies leave this off their list of potential losses. 

Travel insurance is designed to protect travelers from a number of common travel mishaps, including lost luggage, flight delays, and severe weather. But, there can be things travel insurance doesn’t cover. Therefore, before you buy travel insurance coverage, make sure to read the policy. 

For example, what’s covered can also depend on your current health and any pre-existing conditions you may have. It does not usually cover any pre-existing medical conditions, so it’s important to inform the insurance company of any pre-existing conditions and be honest about your health.

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